Insurance Claim
What Expats in Singapore Need to Know
A simple guide to how health insurance claims work and how to make the process smoother.
What is an Insurance Claim?
An insurance claim is a formal request you make to your insurer to cover eligible medical costs according to your health insurance plan. Once approved, the insurer pays the medical provider directly or reimburses you.
For expats in Singapore, understanding how to file a claim correctly is essential. Medical care is of excellent quality — but without proper claims handling, you could face large out-of-pocket costs.
How Does the Insurance Claim Process Work?
Step 1: Get treated
Visit a clinic or hospital. Some insurers offer cashless services at their network facilities.Step 2: Collect documents
Always get original invoices, medical reports, and receipts.Step 3: Submit your claim
Complete the insurer’s claim form and send it along with the required documents. Submission can often be done online or through a mobile app.Step 4: Await review
The insurer reviews your claim to ensure it aligns with your policy terms.Step 5: Receive payment
Once approved, the insurer either reimburses you or pays the provider directly (if not done at the time of treatment).
💡 Tip: Keep copies of everything you submit and note the claim reference number for follow-up.
Risks and Considerations
Incomplete documents: Missing paperwork is a common cause of delayed claims.
Policy limits: Claims above your benefit limit will not be reimbursed fully.
Exclusions: Treatments for excluded conditions or outside the plan’s geographical scope won’t be covered.
Benefits and Key Takeaways
Peace of mind: Knowing how to claim means faster reimbursement and fewer surprises.
Smooth process: Understanding the steps helps avoid delays.
Support: A good broker (like Interexpat) can help you through the claims process.
Next Steps
Need help with a claim or unsure if your current plan gives you the protection you need? Interexpat can assist you at every step.
